BACL
ActiveBACL has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €142k and a net result of €28k. Equity is growing by ~31.2% per year across the filed fiscal years. Its solvency ranks better than 59% of 83 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability97▼-3
Solvency55▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.12 against 0.25 in 2024), and 55.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.2%
Return on assets
8.6%
Age of the figures
8 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 11
Relative position
BE, all sectors
reference
Sector 11
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-03-2026, 140 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
140 d early
2024
14 d early
2023
50 d early
2022
42 d early
2021
25 d early
2020
25 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€28k▲ 18.2%
2024 · €23k
2019: €5k
2020: €12k
2021: €13k
2022: €10k
2023: €19k
2024: €23k
2019 → 2025
Working capital
€-147k▼ 168%
2024 · €-55k
2019: €-14k
2020: €-19k
2021: €-27k
2022: €-59k
2023: €-59k
2024: €-55k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41k-€30k▼ 25.0%€50k▲ 62.8%€73k▲ 46.9%€142k▲ 94.3%
Operating result€19k-€14k▼ 27.4%€26k▲ 86.8%€31k▲ 17.7%€36k▲ 17.5%
Net result€13k-€10k▼ 23.1%€19k▲ 90.8%€23k▲ 21.7%€28k▲ 18.2%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 18% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €321k
Fixed assets
€301k▲ 86.9%
Current assets
€20k▲ 7.4%
Equity and liabilities €321k
Equity
€142k▲ 94.3%
Debt
€179k▲ 68.1%
The debt ratio falls from 59.4% to 55.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€37k▲
2024 · €32k
Cash flow
€28k▲
2024 · €24k
Solvency
44.2%▲
2024 · 40.6%
Current ratio
0.12▼
2024 · 0.25
Quick ratio
0.12▼
2024 · 0.25
Debt / equity
1.26▼
2024 · 1.46
ROE
19.4%▼
2024 · 31.9%
ROA
8.6%▼
2024 · 13.0%
Interest coverage
37.17▲
2024 · 21.49
Debt
€179k▲
2024 · €107k
Debt ≤ 1 year
€166k▲
2024 · €73k
Debt > 1 year
€12k▼
2024 · €32k
Income taxes
€8k▲
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€179k€321k▲
Fixed assets21/28€161k€301k▲
Tangible fixed assets22/27€1k€888▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€1k€888▼
Financial fixed assets28€160k€300k▲
Current assets29/58€18k€20k▲
Amounts receivable within one year40/41€12k€13k▲
Trade receivables40€10k€9k▼
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€179k€321k▲
Equity10/15€73k€142k▲
Contributions10/11€19k€2k▼
Revaluation surpluses12-€140k
Reserves13€2k€0▼
Distributable reserves133€2k€0▼
Profit (loss) carried forward14€52k€0▼
Amounts payable17/49€107k€179k▲
Amounts payable after more than one year17€32k€12k▼
Financial debts170/4€32k€12k▼
Amounts payable within one year42/48€73k€166k▲
Current portion of amounts payable after more than one year42€29k€25k▼
Trade debts44€217€2k▲
Suppliers440/4€217€2k▲
Taxes, remuneration and social security45€5k€15k▲
Taxes450/3€5k€9k▲
Remuneration and social security454/9€0€5k▲
Other amounts payable47/48€38k€125k▲
Accrued charges and deferred income492/3€1k€718▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€879€961▲
Other operating charges640/8€39€46▲
Gross operating margin9900€32k€37k▲
Operating profit (loss)9901€31k€36k▲
Financial charges65/66B€1k€997▼
Recurring financial charges65€1k€997▼
Profit (loss) for the period before taxes9903€29k€35k▲
Income taxes67/77€6k€8k▲
Profit (loss) for the period9904€23k€28k▲
Profit (loss) for the period to be appropriated9905€23k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€52k€80k▲
Profit (loss) brought forward from the previous period14P€29k€52k▲
Transfer from equity791/2-€19k
Profit to be distributed694/7-€99k
Return on contributions (dividend)694-€99k
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2019net €28k ▲18.2%
Operating result €36k, net result €28k, both a record.
31-12
Financial
Equity above €100kEq €142k ▲94.3%
7 profitable years in a row build equity to €142k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
13-03-2026
Resigned as Director
Location & real-estate footprint
Registered office, Herve · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue de Herve 1024651 HerveGround area
2,563 m²
Building footprint
274 m²
Parcel 63006D0308/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de Herve 102, 4651 Herve
since 20182.276.194.971
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63006D0308/00C000 | Wallonia | 2,563 m² | 1 · 274 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DISTILLERIE LAMBICOOL
BE 0461.441.668
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Jus de Mer
BE 0642.619.555
Middelkerke · Eq €151k
Warmenbol
BE 0634.985.358
Schoten · Eq €130k
SPIRITS BY DESIGN
BE 0598.836.032
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Distillerie Plassendale
BE 1001.739.685
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Of 272 companies in sector 11010 we hold annual accounts for 120. 72 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2018
Fiscal year end31-12
Activities, NACEBEL
11010Manufacture of beverages
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.